Questions & answers · Vision insurance
How does Cigna Health and Life Insurance Company's vision insurance policy handle other insurance covering the same loss?
AI-drafted from filed documents · reviewed: pendingother insurance / coordination of benefitsCigna Health and Life Insurance Company
Under Cigna Health and Life Insurance Company’s filed form for Kansas (KS), if a plan has a coordination of benefits rule consistent with the section, the first applicable rule determines primary and secondary coverage [1]. For a dependent child whose parents are not divorced or legally separated, the plan covering the parent whose birthday falls first in the calendar year is the primary plan [1]. This does not appear in these excerpts — check the full policy.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (2)
[1] Cigna Health and Life Insurance Company · KS · SERFF CCGH-134153734 · form HCVIS-CERTKS1 · p. 34 · 26 · Order of Benefit Determination Rules
Order of Benefit Determination Rules A Plan that does not have a coordination of benefits rule consistent with this section shall always be the Primary Plan. If the Plan does have a coordination of benefits rule consistent with this section, the first of the following rules that applies to the situation is the one to use: • [Employee][Customer][Member][Retiree]: The Plan that covers a person as [an][a] [Employee][Customer][Member][Retiree] shall be the Primary Plan and the Plan that covers a person as a [d][D]ependent shall be the Secondary Plan. 01-24 • [Dependent: For a Dependent child whose parents are not divorced or legally separated, the Primary Plan shall be the Plan which covers the parent whose birthday falls first in the calendar year. … (excerpt — the filed text continues)
[2] Cigna Health and Life Insurance Company · CA · SERFF CCGH-133991505 · p. 20 · 52 · Exclusions and Limitations
Exclusions and Limitations • Bracketed Text may be included or excluded as elected by the Policyholder. Coordination of Benefits- Option 1 • Page will be included or excluded as elected by the Policyholder. • If Dependents are covered, add bracketed Dependent text throughout page. • Insert employer plan text, as applicable, if coverage is offered through an employer; otherwise omit. • Under Right to Receive and Release Information, include number of days within the range and elect closed or denied. • References to Medicare/Medicare Eligibles will be removed if Policyholder elects not to coordinate benefits with Medicare. When page is included, include Domestic Partner text when Policyholder elects coverage of Domestic Partners.
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Qe101f5b1. Spotted an error? Tell us.